Bill Pay

1. Place your mouse over Bill Pay in the main top menu and click to select.

2. Click on the Manage Payees tab. Then select Company tab.

3. Click on the Add Company button.

4. Enter the company's name as it appears on your bill in the Payee Name field. Then click on the Search button to see if our system already has your Payee's information. If the Payee is located, you will get a message indicating that the company has been found and the name is populated in the Payee name box. Place your mouse over the Next button and click to continue. If the Payee is not in our system you can add their information manually by clicking on the Add a Company as a Payee Manually link.

5. If you would like to give your Payee a unique name, click inside the Nickname box and type in the name (optional).

6. Add your Payee account number as it appears on your bill in the Account Number box, excluding any dashes. Re-enter the account number in the Confirm Account Number box. Then click the Next button to continue.

7. A final confirmation page will be shown for the Payee so that you can check the information entered. Click the Submit button to finish adding the Payee. A Payee Added message will be displayed when the Payee has been successfully added.

5. Click inside the Address 1 box and enter the address for the Payee (Address 2 if needed). Then add the City, State and ZIP Code.

6. Enter your payee's phone number in the appropriate box. Click the Next button to continue.

7. A final confirmation page will be shown for the Payee so that you can check the information entered. Click the Submit button to finish adding the Payee. A Payee Added message will be displayed when the Payee has been successfully added. Then click the OK button to return to the main Manage Payees page.

1. Place your mouse over Bill Pay in the main top menu and click to choose.

2. Click on the Manage Payees tab. Select the Company, Person or Group tab.

3. Click on the Delete icon (trashcan) to the right of your Payee listing, and then click to open the Delete Payee page.

4. A final confirmation page will be shown for the Payee so that you can check your information. Click the Delete button to finish deleting the Payee.

5. Reminder: Deleting a Payee will delete any scheduled payments for the Payee, including automatic payments. If you have requested an e-bill from a Payee and the request is scheduled, you must cancel the e-bill before you are able to delete the Payee. Once deleted, you cannot pay any outstanding e-bills from that Payee. After deleting a Payee, you will begin receiving your bills directly from that Payee. Depending on your billing cycle, it can take up to two months to stop receiving e-bills through Online Banking.

With Payee Groups, you can easily organize your bills into groups of similar billers or payees. For example, you could create a Utilities Group for your electric, gas, water, cable and phone bills. You can have up to 60 groups. To create and edit Payee Groups:

1. Click on the Manage Payees tab. Then click the Groups button.

2. Place your mouse over the Add Group button and click to select.

3. Click your mouse inside the Group Name box and enter the name of the new group you are creating (e.g. Utilities).

4. Move your mouse to the down arrow next to Payee box and click to reveal your payees. Click on one of the selections in the list to add to your new group.

5. Once your Payee has been selected, click on Add to place that payee in its group.

6. Move your mouse over the Save button and click to apply your changes. Click the Cancel link if you no longer wish to create the group.

Payments

Automatic Payments are payments you can set up in Online Banking for companies or people that you pay the same amount on a regular basis. Examples of Automatic Payments are rent, mortgages, car payments or insurance. Once you set up an Automatic Payment, it will be paid on the same date that is based on the Payment Frequency you choose. You can also receive email notifications about the status of Automatic Payments.

Here is how to set up an Automatic Payment:

1. Place your mouse over Bill Pay and click to choose.

2. Select the Automatic Payments tab. Click your mouse on the down arrow inside the Select Payee box. Move your mouse over the payee for whom you would like to set up an automatic payment and click to select. Then click on the View button. The Manage Automatic Payments popover box will be displayed.

3. Click on the down arrow in the Pay From box to choose the account you would like to use to make the payment.

4. Enter the amount of the automatic payment in the Payment Amount box. Beneath that box, you can choose to have all of the payments to be made for the same amount, or a varying amount for the last payment.

5. Choose the date that you would like for your first payment to be sent by clicking your mouse on the Calendar icon. Two months will be displayed. Blue dates are dates that are available for your payment to be sent. Gray dates are not available. Click on an available date.

6. You can choose the Frequency that you would like for the payment to be sent by clicking on the down arrow inside the Payment Frequency box. Choices range from Weekly to Annually.

7. You will need to select how long you would like for the Automatic Payment to continue. Click on Until I Cancel, enter the total number of payments or the date at which you would like no further payments to be made.

8. You can receive email notifications regarding your Automatic Payment. Notifications can be sent when the payment is pending or has been sent. You can also be notified before the last payment will be sent.

9. Click on the Add button at the bottom of the popover screen to save the automatic payment.

Scheduled Transactions are payments you have scheduled but are not processed, or paid, yet. You can edit or cancel Scheduled Transactions until they are in process. Processed (or processing) Transactions are payments that are in the process of being paid. Posted Transactions have been processed completely. You cannot change or cancel Processed (or processing) or Posted Transactions.

Use the Payment Calendar Tool to determine the dates you can select to make your payments. Click on the Calendar icon to open the Calendar tool. The Payment Calendar shows:

• The pay dates available in the current month. Available pay dates will be white or yellow with a blue border. Unavailable pay dates will be gray or blue. You can scroll to future months, if necessary. Pay dates are not available on weekend days or holidays.

• The earliest date you can select for the payee to receive the payment without incurring expedited payment fees will be highlighted in yellow.

• The earliest date you can select for the payee to receive an expedited payment will be highlighted in magenta. If this option is available, you will see a message next to the calendar indicating delivery date and expedited payment fee.

• Whether the payee accepts payments on the same day or the next business day. These dates will be highlighted with a blue border. The payment date must be a business day (no weekends or holidays) that is not more than a year in the future (or 365 days from today's date).

You can enter a pay date that is the same as the due date on a company's bill. The pay date is the date when the Payee receives your payment. For most companies, we can deliver your payment the next business day. If we send the payment by check, it can take up to four days for your Payee to receive it. You can use the calendar to make sure the Payee receives the payment before a bill's due date. You can schedule payments to be made up to one year in advance.

If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date.

If the company or person cannot receive electronic payments, BBVA Compass prints a check and sends it to the payee's address on file. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits (or cashes) the check.

You can request overnight delivery of a check payment prior to 1 p.m. CT. Requests made after 1 p.m. CT will be made in two business days. When you request an overnight payment, you will receive an email with the tracking number from the delivery service. This number can also be found in your Payment Detail. Same-day bill payments will be made on the specified pay date; however, the payment might not be reflected in your payee account on the same day. Please wait one to two days for the payment to appear in your account. The fee for an expedited payment is $19.00 per transaction.

2. Scroll down to locate the Scheduled Transactions box, where all of the payments you have scheduled will be listed. Payments that have not been sent or begun processing will be noted as Pending.

3. Click the Transaction Detail icon on the right hand side of the row of the transaction you would like to edit. The transaction will expand to show the information for the transaction, along with buttons for Inquiry, Edit and Delete below. Place your mouse over the Edit button and click to open the Edit Payment page.

4. The Edit Payment page includes the account number from which the payment will be made, the name of your Payee, the reference number for the payment, the date of payment and amount.

5. You can modify the date that the payment will be made by clicking on the Calendar Tool icon. You can also change the amount of the payment.

6. Once you have completed your changes, click the Next button and review your changes. If you are satisfied with those changes, click the Submit button.

7. Once submitted, you will be taken to a Changes Received page with a reference number for your changes.

2. Scroll down to locate the Scheduled Transactions box, where all of the payments you have scheduled will be listed. Payments that have not been sent or started processing will be noted as Pending.

3. Click the Transaction Detail icon on the right hand side of the row of the transaction you would like to delete. The transaction will expand to show the information for the transaction, along with buttons for Inquiry, Edit and Delete below. Place your mouse over the Delete button and click to open the Delete Payment page.

4. The Delete Payment page includes the account number from which the payment will be made, the name of your Payee, the reference number for the payment, the date of payment and amount.

5. Once you've reviewed the transaction information and you would still like to delete the transaction, click on the Delete button at the bottom of the page.

6. You will be taken to a Payment Deleted page with a reference number for your changes.

7. Click OK to return to the Bill Pay page.

E-Bills & Bill Reminders

E-bills are bills sent from a biller (or Payee) electronically instead of on paper. You can sign up for e-bills on the Add Payee pages when you are entering a new Payee that offers the e-bill service. If e-bills are available for a payee, you will see an icon next to that payee that says Get Bill. Click on the Get Bill icon and follow the instructions to activate.

Once you have signed up for e-bills from a biller, your bill will be sent directly to Bill Pay. When you have an e-bill, a Bill Due icon will display next to the Payee in the Make Payment section when that bill is due. Clicking the Bill Due icon will allow you to view and pay the bill in Bill Pay. Some Payees also send you email notifications that you have an e-bill.

Bill Reminders are created when you receive an e-bill from one of your Payees, or if you have set up reminders for a Payee. If you see a Bill Reminder, it does not mean that you have not paid your bill. There are several ways you can stop Bill Reminders:

1. Remove the reminder that you set up for a payee

2. Pay the bill if you have not already done so

3. File the bill if it has been paid through another means outside of Bill Pay